RATE INFORMATION — The annual percentage yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. For Deposit, Summer Pay, IRA, Education Savings, Health Savings (HSA), Interest Checking (SD), Red Apple Checking (R2), Golden Red Apple Checking (R3), and Golden Apple Checking (G0) accounts, the interest rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors.

INTEREST COMPOUNDING AND CREDITING — The compounding and crediting frequency applicable to each account is set forth in the Rate

ACCRUAL OF INTEREST — For all earning accounts, interest will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Deposit, Summer Pay, IRA, Education Savings, Health Savings (HSA), Interest Checking (SD), Red Apple Checking (R2), Golden Red Apple Checking (R3), and Golden Apple Checking (G0) accounts, if you close your account before accrued interest is credited, you will not receive the accrued interest.

BALANCE INFORMATION — To open any account, you must deposit or already have on deposit the minimum required share(s) in any account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Interest Checking (SD), Red Apple Checking (R2), and Golden Red Apple Checking (R3) accounts, there is a minimum daily balance required to avoid a service fee for the crediting period. If the minimum daily balance requirement is not met during each day of the crediting period, you will be charged a service fee as stated in the Fee Schedule. For Deposit, Summer Pay, IRA, Education Savings, Interest Checking (SD), Red Apple Checking (R2), Golden Red Apple Checking (R3), and Golden Apple Checking (G0) accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the crediting period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the daily balance method as stated in the Rate Schedule interest is calculated by applying a daily periodic rate to the principal in the account each day.

ACCOUNT LIMITATIONS — For Deposit and Summer Pay accounts, you may make no more than six(6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For IRA and Education Savings accounts, you may not make any preauthorized, automatic or telephone transfers from your account at any time. For Health Savings (HSA), Interest Checking (SD), No Service Charge Checking (FC), Red Apple Checking (R2), Golden Red Apple Checking (R3), and Golden Apple Checking (G0) accounts, no account limitations apply.

FEES FOR OVERDRAWING ACCOUNTS — Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges.

MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required one share (par value of one share is $25.00 and pay a nonrefundable $1.00 membership fee as set forth below.

RATES — The rates appearing with this Schedule are accurate as of the effective date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate information on your accounts, please call the Credit Union.

FEES — See separate fee schedule for a listing of fees and charges applicable to your account(s).

Truth-In-SavingsDisclosure (Money Market and Savings)

The rates, fees and terms applicable to your account at ECU are provided with this Truth-in-Savings Disclosure. ECU may offer other rates for these accounts from time to time.

RATE INFORMATION — The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date that is set forth in the Rate Schedule. All accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For tiered accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.

NATURE OF DIVIDENDS — Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

DIVIDEND COMPOUNDING AND CREDITING — The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.

ACCRUAL OF DIVIDENDS — For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For all accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends.

BALANCE INFORMATION — To open any account, you must deposit or already have on deposit the minimum required share(s) in a Share account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Share Savings, Scottie Savers, Youth, Money Market Savings, and Super Money Market accounts, there is a minimum daily balance required toearn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the daily balance method as stated in the Rate Schedule dividends are calculated by applying a daily periodic rate to the principal in the account each day.

ACCOUNT LIMITATIONS — For Share Savings, Scottie Savers, Youth and Money Market Savings accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Scottie Savers accounts, once you have reached age 13, the credit union will change your Scottie Savers to a Youth account. For Youth accounts, once you have reached age 18, the Credit Union will change your Youth account to a Share Savings account. For Super Money Market accounts, you may make no more than three (3) preauthorized or telephone transfers per month. If you exceed these limitations, your account may be subject to a fee or closed.

FEES FOR OVERDRAWING ACCOUNTS — Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges.

BONUS — For Scottie Savers accounts, you will receive one (1) Scottie Buck for each $5.00 deposited. Scottie Bucks may be redeemed for Scottie items on display at the Credit Union.

MEMBERSHIP — As a condition of membership, you must purchase and maintain the one share (par value of one share is $25.00).

RATES — The rates appearing with this Schedule are accurate as of the last dividend declaration date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate information on your accounts, please call the Credit Union.

FEES — See separate fee schedule for a listing of fees and charges applicable to your account(s).

Education Credit Union (ECU) will not release members’ financial information other than by (a) legitimate request or disclosure to a credit reporting agency; (b) a subpoena, summons issued by a court or governmental agency or otherwise necessitated by a court process; (c) a search warrant issued by a court or governmental agency; or (d) if we receive a written request from a member.

ECU will not provide member information (e.g. names, addresses, or telephone numbers) to nonapproved companies seeking to offer their products and services to our members.

Based on our commitment to our members, we have put the following procedures and policies in effect:

ECU collects, retains, and uses information about our members only as a business necessity to provide products and services directly offered by ECU.

ECU limits access to our members’ personal information to those employees on a “need to know” business basis.

ECU has personnel policies in effect to ensure we protect our members’ confidentiality and privacy.

ECU maintains high levels of security standards and procedures to ensure there will be no unauthorized access to our information records about our members.

ECU maintains members’ privacy when a vendor provides a product or service for our members (such as check printing).

ECU Board of Directors and management are committed to protecting the confidentiality and privacy of the members of ECU.

FACTS

What does Education Credit Union do with your personal information?

WHY?

Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell you
how we collect, share, and protect your personal information. Please read this notice carefully to
understand what we do.

WHAT?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:
 Social Security number, overdraft history, credit scores, payment history, transaction history, and wire transfer instruction. When you are no longer our customer, we continue to share your information as described in this
notice.

HOW?

All financial companies need to share personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons ECU chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Education Credit Union share?

Can you limit this sharing?

For our everyday business purposes—
such as to process your transactions, maintain
your account(s), respond to court orders and legal
investigations, or report to credit bureaus

Yes

No

For our marketing purposes—
to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes—
information about your transactions and experiences

No

We don't share

For our affiliates’ everyday business purposes—
information about your creditworthiness

No

We don't share

For our affiliates to market to you

No

We don't share

For non-affiliates to market to you

No

We don't share

Who we are

Education Credit Union

What we do

How does ECU protect my personal information?

To protect your personal information from unauthorized access
and use, we use security measures that comply with federal law.
These measures include computer safeguards and secured files and buildings.

We collect your personal information, for example, when you
open an account, or use your credit card, or debit card, or apply for financing, or give us your wage statements, or show us your driver's license.

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only sharing for affiliates', everyday business purposes-information about your creditworthiness, or affiliates from using our information to market to you or sharing for non-affiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

ECU has no affiliates.

Non-affiliates

Companies not related by common ownership or control. They can be
financial and nonfinancial companies.

ECU does not share with our non-affiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffi liated financial companies that
together market financial products or services to you.

Services:

Education Credit Union is committed to serving all persons within our field of membership, including those with disabilities. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility.Should you have any problems accessing our branches or website, please call us at 1-800-687-8144 so that we may promptly assist you and remedy any accessibility concerns.

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